Toss Pay

Reducing friction in the payment process increases conversion rates and reduces payment failures and drop-offs. With Toss Pay, you can pay for physical goods and services quickly and smoothly.

What is Toss Pay?

Toss Pay lets users, in the Toss app pay quickly and securelyIt's a simple payment service that helps you pay quickly and securely. Using payment information users have registered in advance, they can complete payment with just a password. There are no complicated authentication steps like a public certificate, so the payment flow stays uninterrupted and continues naturally.

What are the benefits of using Toss Pay?

Customer satisfaction among those who use simple payments is 95%, so it can improve satisfaction with the payment experience.
You can freely choose the payment method that suits the situation, such as Toss Money or a card.
It helps reduce the burden felt during payment, which helps increase payment conversion rates.
It can reduce the rate at which users leave during the payment step.

In other words, it helps users who were hesitating to pay complete their payment naturally.

Integration process

Toss Pay integration proceeds in the following order.

Check restricted onboarding items
If it is an intermediary platform, check the onboarding conditions
Onboarding review
Contract documents are sent by email to the person in charge of contracts
Submit documents (registered mail)
Document review and screening → contract signing (store account creation)
Development integration → launch

It takes about 7–14 business days to issue the key. Please apply with plenty of time to fit your service schedule.

Restricted onboarding items

Before applying for Toss Pay integration, first check whether you fall under any of the items below.

Please note

The application of restricted onboarding items may vary depending on the sales type (online/offline), and additional or changed items may be restricted based on internal policy decisions.

Illegal items

Firearms and bladed weapons, electric shock devices, military uniforms, gambling-related businesses (horse racing, casinos, gambling, cycle racing, private lending, money changers, auctions, entertainment job postings, sale of gambling machines, adult game rooms, etc.), hidden cameras, drugs, tobacco, tobacco substitutes, lottery tickets, living organisms (wild/domestic animals and plants), prescription glasses/contact lenses, blood and blood certificates

Tobacco, tobacco substitutes, lottery tickets, living organisms, and prescription glasses/contact lenses may be partially allowed only for offline sales.

Pornographic content

If the products sold, such as adult-only sites or adult comics and magazines, are contrary to public morals

Financial products and information services

Loans, deposits and savings, foreign currency exchange services, digital assets (cryptocurrency, NFTs, etc.), cryptocurrency exchanges (operation/sale/brokerage in all forms), stock information services (quasi-investment advisory business)

Infringing products

Items that infringe trademark rights or intellectual property rights

Youth-harmful environment

Youth-harmful media, youth-harmful drugs, youth-harmful items, businesses prohibited to youth entry/employment, businesses prohibited from employing youth

Other restricted categories

Any products and services likely to generate complaints, such as unregistered multi-level or door-to-door sellers, SNS promotions, rental businesses (mobile phones), used cars, condominium memberships, random (lucky) boxes, etc.

If you are an intermediary platform

If you operate your service as an intermediary platform, prior confirmation is required depending on the payment and settlement structure. If you directly settle with sub-sellers, you must check whether you are registered as an electronic payment gateway (PG) business.

If you have a PG license → Direct settlement available
If you do not have a PG license → Use of a settlement agency service is required

If you do not have a PG license, please first enter into a settlement agency service contract before applying for Toss Pay subscription. (e.g., Toss Payments, etc.)

[Reference] Mandatory enrollment in settlement payment agency services and legal basis

According to the Electronic Financial Transactions Act, when a prepaid business operator recruits representative merchants, it prohibits the solicitation of persons who are not among those listed in each item of Article 4-2 of the Enforcement Decree. Under Article 4-2 of the Enforcement Decree of the Electronic Financial Transactions Act, merchants are defined as (i) persons registered as electronic financial businesses to perform electronic payment gateway services, (ii) persons registered to notify the payer electronically, on behalf of the recipient, of the details of funds the payer must pay to the recipient and to directly receive the funds and handle settlement on behalf of the parties, and (iii) financial companies exempt from electronic financial business registration even though they perform settlement agency services.

If the intermediary platform distributes payment proceeds to sub-sellers (three-party settlement), onboarding is possible if it is registered as a PG business or has enrolled in a settlement payment agency service, and related documents (settlement agency contract, third-party settlement official letter type C, KYC) are required during the onboarding review.

Auto payment (recurring payment) fees

If you use auto payment (recurring payment), a different contract form applies than for standard payments. If you plan to proceed with this method, please let us know in advance.

Base fee: of the payment amount 3%
Minimum fee: per transaction 100 won

[Fee charge example]

Payment amount

Fee

10,000 won

300 won

5,000 won

150 won

3,000 won

100 won (minimum fee applied)

Please note

Even if you already use Toss Pay, in Apps in Toss you must obtain a Toss Pay merchant key exclusive to Apps in Toss.
If you reuse an order number, payment creation will be rejected.
Before payment, please clearly inform users of the information below.
- Product name, quantity, total payment amount, discount details, refund policy

Set up in the console

1. Contract

To use Toss Pay, you must first prepare the required documents and sign a written contract. Only after the contract is completed can you integrate actual payments.

Please be sure to check

Before applying for a contract Restricted onboarding itemsand intermediary platform conditionsplease check first.
isTestPayment: trueIf set to isTestPayment: true, you can test payments in the sandbox environment even before the contract (subscription) is signed. However, only payment creation is supported; actual approval processing is not.

Procedure

Channel TalkEnter information via
First review: Based on the information you entered, the Toss Pay team will conduct an initial review.
Additional guidance: If further confirmation is needed, we will send a separate notice to the subscription contact's email.
Submit subscription documents: Please complete and submit the subscription documents. After internal review, we will issue a Toss Pay key.

It takes about 7–14 business days to issue the key. Please apply with plenty of time to fit your service schedule.

2. Set up

Once the contract is completed, you will receive the Toss Pay key by email. You must register the issued key in the Apps in Toss console to enable actual integration.

Key registration path

Workspace → Integration keys → Select the Register button → Enter merchant key

Please be sure to check

You must enter the Toss Pay key exclusive to Apps in Toss, not the regular Toss Pay key you used before.
If you enter the wrong key, an error will occur when requesting payment.

Integrate development

Toss Pay development guide You can check how to integrate the APIs and SDKs for payment creation, authentication, execution, and refunds.

Toss Pay recurring payment development guide You can check the API integration methods needed to implement recurring billing models such as subscriptions and regular deliveries.

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